REF 2014 Impact Case Study Example from UOA 20 Dr. Nicholas Ryder Professor in Law University of the West of England

‘Mobile Money’ ‘Enabling the growth of mobile money business in the telecoms industry in new territories in compliance with international banking regulations’ Commissioned by: – Orange/France Telecom Group (FTG) – Extensive application process

Underpinning Research FTG approached UWE to conduct research in the area of banking regulation and its applicability to ‘mobile banking’, Established that some of FTGs activities did indeed constitute a banking service and determined the scope and applicability of UK and US banking and white-collar crime regulations on the overseas activities of FTG,

Underpinning Research Outlined the relevant banking regulations that FTG needed to comply with, Established that some of FTGs activities constituted a banking service, Determined the scope and applicability of UK and US banking and white-collar crime regulations on the overseas activities of FTG.

Underpinning Research Outlined the relevant white-collar crime regulations that FTG needed to comply with; Identified the due diligence procedures that FTG were required to comply with, and outlined the penalties if they failed to comply with these regulations; and Identified the levels of risk for FTG in respect of non-compliance in each of the three jurisdictions.

Summary of Impact FTG have been able to contribute to growth in several emerging markets, The findings enabled FTG to understand the anti-money laundering and banking regulation implications of their mobile banking initiatives, giving them confidence and competitive advantage.

Summary of Impact FTG were able to successfully launch new subsidiaries in: Tunisia, Niger, Armenia and Uganda This which, by bringing mobile money services to new markets, has had a significant impact on local economies and employment.

References to the Research Money laundering an endless cycle? A comparative analysis of the anti-money laundering policies in the United States of America, the United Kingdom, Australia and Canada (Routledge Cavendish, 2012). Financial crime in the 21 st century – law and policy (Edward Elgar, 2011)

References to the Research ‘The Financial Services Authority, the reduction of financial crime and the money launderer – a game of cat and mouse’ (2008) Cambridge Law Journal, 67(3), ‘To confiscate or not to confiscate? A comparative analysis of the confiscation of the proceeds of crime legislation in the United States of America and the United Kingdom’ (2013) Journal of Business Law, Journal of Business Law, 8,

Details of the Impact Contribution towards improving FTG’s understanding of the regulatory environment relating to mobile money in Jordan, Egypt, the Ivory Coast, the United Kingdom, the United States and internationally, Improving awareness of compliance obligations as they relate to mobile money applications, Providing a foundation for FTG anti-fraud policy.

REF 2020 Impact Case Study ‘Financial Crime’ Based on three successful funding applications – Dedicated Card and Payment Crime Unit (completed) – Wilmington Plc (ongoing) – Centre for Research and Evidence on Security Threats (continuing)

REF 2020 Impact Case Study Potential Impact – DCPCU The beneficiaries of this research would be the DCPCU, Action Fraud, the City of London Police and financial services sector. The research has highlighted the advantage of the continued existence of the DCPCU to prevent fraud The research concluded that the DCPCU continues to provide value for money and reduces.

REF 2020 Impact Case Study Potential Impact – Wilmington Plc: Wilmington will be able to expand their growth in the compliance market in many jurisdictions. The UWE findings would enable successfully deliver their accredited training in more jurisdictions. The UWE researchers will be delivering a number of training workshops for Wilmington’s employees, who will provide this training in several countries.

Publications Ryder, N. The Financial War on Terror: A review of counter-terrorist financing strategies since 2001 (Routledge, 2015, 210 pp) Ryder, N. ‘The financial war on terrorism: a critical review of the United Kingdom’s counter-terrorist financing strategies’ In: Walker, C., King, and Gurule, J. Asset Stripping: Responses to the Financing of Terrorism and Crime, Palgrave, forthcoming, 2016.

Publications ‘Out with the old and … in with the old? A critical review of the Financial War on Terrorism on the Islamic State of Iraq and Levant’ (2016) Studies in Conflict and Terrorism (Special issue on ‘Contemporary Issues, Innovation and Counter Terrorism’), accepted for publication. ‘The Financial Crisis and Financial Crime in the United Kingdom: a critical analysis of the response by Financial Regulatory Agencies’, (2016) The Company Lawyer, accepted for publication.

Publications ‘Greed, for lack of a better word, is good. Greed is right. Greed works": A contemporary and comparative review of the relationship between the global financial crisis, financial crime and white collar criminals in the U.S. and the U.K’ (2016) British Journal of White Collar Crime 1(1), ‘The fight against fraud: a critical review and comparative analysis of the Labour and Conservative government’s anti-fraud policies in the United Kingdom’ (2015) Law and Economics Yearly Review 4(2), , with Turksen, U.

REF 2020 Impact Case Study Centre for Research and Evidence on Security Threats (continuing) Impact: – Difficult to determine at the moment

Some Reflections and Future Projects Lessons to be learnt How to publish the research Proof of dissemination Collaborative conference with funders to provide evaluation of findings Follow up support from funder Consider: – Immediate impact – Future impact